At first I was really impressed with the customer service I received from RenoFi. My project was to fund a renovation for a home that I had 100% equity in, no outstanding mortgage but would need to have a renovation loan because of its current value was lower than what I wanted to borrow. We started the process in late February, I uploaded all the necessary docs to the secure portal and the appraisal was scheduled around March 10th. Everything seemed to be progressing fine but then major delays set in. The appraisal was received by RenoFi within a few days but the underwriting process took forever. I was told to expect 4-6 weeks from start to finish. I was given a conditional approval in late April/early May and told then that my loan would be finished "soon". My loan was finally approved in the second week of June - a full 13 weeks from when I started. Another concern that I had was beinging requested to send documents with my personal and financial information via email rather than uploading them to the secure RenoFi portal. I had to repeatedly ask to have the portal re-opened to upload documents so I did not have to send them via unencrypted and unsecure email. I feel that I would have been better off going directly to a lender than through RenoFi.